What does Loans Cart do?

Loans Cart is a Melbourne mortgage broking business. We compare home loans and other lending across a panel of 30+ lenders for first home buyers, refinancers, investors, self-employed borrowers and businesses, and handle the application through to settlement.

Where is Loans Cart located?

Loans Cart has offices in Mount Waverley, Bentleigh East and Truganina in Melbourne. We meet clients in person or online and arrange loans for properties anywhere in Australia.

Is Loans Cart licensed?

Yes. Brendan Singh is a Credit Representative (575816) of National Mortgage Brokers Pty Ltd, Australian Credit Licence 391209. As a mortgage broker, he's legally required to act in your best interests.

How much does it cost to use Loans Cart?

Nothing. We're paid a commission by the lender once your loan settles. There's no fee to you for advice, comparison or the application.

Can I speak to a broker in Hindi or Punjabi?

Yes. Brendan Singh speaks English, Hindi and Punjabi, and you can have your whole consultation in any of the three.

Melbourne Mortgage Broker — Clear Lending Advice

Clear lending advice. Well-managed applications. Australia-wide.

Based in South-East Melbourne, helping clients across Australia with home loans, refinances, investment and business lending.

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30+ Lenders

We compare across our full panel, not just one bank

English · Hindi · Punjabi

We speak your language

Credit Rep 575816 | ACL 391209

Fully licensed and regulated

Why Choose Loans Cart?

We take the complexity out of lending with clear advice and a structured approach.

Clarity

No jargon, no confusion. We explain your options in plain English so you can make informed decisions.

Structure

A clear, step-by-step process from your first conversation to settlement. You'll always know what's next.

Fast Communication

Quick responses, regular updates, and honest timelines. We keep you in the loop every step of the way.

Find Out What You Can Borrow

Answer a few quick questions and get a realistic estimate of your borrowing capacity — based on how Australian lenders actually assess you.

How It Works

A simple, transparent process from start to finish.

Quick Check

Book a quick call or meeting. We'll discuss your situation, goals, and what you're looking to achieve.

Strategy

We'll prepare a clear lending strategy with options, rates, and what you'll need to proceed.

Application to Settlement

We handle the application, liaise with lenders, and guide you through to a smooth settlement.

Our Services

From first home buyers to commercial lending, we've got you covered.

Refinancing / Rate Reviews

Lower your rate, access equity, or consolidate debt. We'll review your current loan and find better ...

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First Home Buyers

Get clear guidance on deposits, grants, and what you can borrow. We'll help you navigate your first ...

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Investors

Whether it's your first investment property or your fifth, we'll structure lending to suit your port...

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Construction Loans

Building or renovating? We'll arrange construction lending with progress draw-downs and competitive ...

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Commercial / Business Lending

Finance for commercial property, business purchases, or equipment. Tailored to your business structu...

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Asset & Equipment Finance

Secure funding for vehicles, equipment, or machinery. Keep cash flow healthy while getting the tools...

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Debt Consolidation

Roll credit cards, personal loans, and other debts into your home loan to reduce repayments and simp...

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Self-Employed Lending

PAYG, ABN, sole trader, or company structure—we know how to present your income to lenders for the b...

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What Our Clients Are Saying on Google

5.0 — 21 Google Reviews

Real reviews from real clients on Google.

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Meet Your Broker

Brendan Singh

Director & Mortgage Broker, Loans Cart

"20 years in business development and partnerships; mortgage broking since 2025. Trilingual — English, Hindi, Punjabi. 30+ lenders. Credit Rep 575816 | ACL 391209."

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How We've Helped

First Home Buyer

Situation

A couple in Melbourne's western suburbs had been saving for two years but weren't sure how much they could borrow or which government schemes applied to them.

What we did

Assessed their borrowing capacity, identified eligibility for the First Home Guarantee and stamp duty exemption, and got them pre-approved within 48 hours.

Outcome

Purchased their first home with a 5% deposit — no LMI payable.

Refinancer

Situation

A homeowner in the eastern suburbs had been with the same bank for six years and hadn't reviewed their rate since their fixed period expired.

What we did

Compared their existing loan against our panel of 30+ lenders, identified a significantly more competitive rate, and managed the refinance end to end.

Outcome

Settled with a new lender in under four weeks. Full cost analysis provided upfront so there were no surprises.

Self-Employed

Situation

A business owner in Melbourne had been told by their bank that their income was "too complicated" to lend against.

What we did

Analysed their business financials, identified the right lender from our panel for their structure, and presented their income case correctly.

Outcome

Approved for a loan the bank said wasn't possible. Settlement completed within the standard timeframe.

Scenarios are illustrative and based on composite client situations. Individual outcomes vary. Past results are not a guarantee of future outcomes.

Ready to Get Started?

Book a quick check today. No obligation, no jargon—just clear advice on your lending options.

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Questions and Answers

Quick Enquiry

Have a question? Send us a message and we'll get back to you within 24 hours.